| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE GUARDIAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 12.02% |
| KEVIN L KYLE3 | 507 N SAM HOUSTON PKWY E STE 100 HOUSTON, TX 77060 | AFLAC | $319 | $0 | $319 | 0.58% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $281 | $0 | $281 | 0.51% |
| JOSEPH B WEBB3 | 5200 MUSTANG TRL PLANO, TX 75093 | AFLAC | $262 | $0 | $262 | 0.48% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD 4336 DESTIN, FL 32541 | AFLAC | $254 | $0 | $254 | 0.46% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $227 | $0 | $227 | 0.41% |
| HILARY PENNARTZ3 | 222 BROWDER ST #1003 DALLAS, TX 75201 | AFLAC | $199 | $2 | $201 | 0.37% |
| JOSEPH MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $190 | $0 | $190 | 0.35% |
| GEMESSIA FORD3 | PO BOX 196056 DALLAS, TX 75219 | AFLAC | $174 | $0 | $174 | 0.32% |
| EDWARD R LETTIERI3 | 738 QUAPAW AVE HOT SPRINGS, AR 71901 | AFLAC | $168 | $0 | $168 | 0.31% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $135 | $0 | $135 | 0.25% |
| KEVIN B BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75045 | AFLAC | $132 | $0 | $132 | 0.24% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $106 | $0 | $106 | 0.19% |
| JOHN KUNZ3 Filed as: JOHN M KUNZ | 17300 N DALLAS PKWY STE 1045 ADDISON, TX 75248 | AFLAC | $82 | $23 | $105 | 0.19% |
| LORI J THOMPSON3 | 1319 W MAIN ST #6 GUN BARREL CITY, TX 75156 | AFLAC | $81 | $23 | $104 | 0.19% |
| ELIZABETH M CHAPMOND3 | 107 LOOKOUT PT HOT SPRINGS, AR 71913 | AFLAC | $67 | $0 | $67 | 0.12% |
| TERRY R LOWERY3 | 5320 SPRING RIDGE DR E MACUNGIE, PA 18062 | AFLAC | $54 | $0 | $54 | 0.10% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 188 | $177K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 188 | $177K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 188 | $177K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 188 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.